Disclaimer and Privacy Statements

Please read these terms, conditions and disclaimers carefully.

By accessing this web site, you agree to be bound by all of these terms and conditions.

Use of this Web Site

Although this site is intended to provide accurate and timely information, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. The products, services, and any other information described on this site may change at any time. The information published on this site is provided as a convenience to visitors and is for informational purposes only. You should verify all information before relying on it. Decisions based on information contained in this site are your sole responsibility. You should contact Mortgage Advantage Lending, LLC for additional information.

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This site is controlled and monitored from the United States of America and no representation is made that materials are appropriate or available for use in other locations. If you use this site from other locations, you are responsible for compliance with applicable local laws.

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All of the information on this web site, including all images, is copyrighted material of Mortgage Advantage Lending, LLC or its subsidiary or affiliate entities, except as otherwise indicated. You may not copy, download, republish, distribute or reproduce any of the information contained on this web site in any form without the prior consent of Mortgage Advantage Lending, LLC unless otherwise indicated.

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Products and Services

The products and services referred to in this web site are offered by or through Mortgage Advantage Lending, LLC or its subsidiary or affiliate entities. The products and services and the applicable terms and conditions may change at any time. There may be eligibility requirements for these products and services and they may not be available in all geographic areas.

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Other Sites

This site contains links to other sites on the Internet. These links are provided for your convenience. Links to another site do not constitute approval or endorsement of that site or its products or advertisements.

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Exclusion of Warranties

No warranties or representations are made as to the accuracy or completeness of the information contained on this web site. This information and the products and services are provided “”as is”” “”as available”” without any warranty of any kind, either expressed or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

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Limitation of Liability

Neither Mortgage Advantage Lending, LLC nor any of its subsidiary or affiliate entities, agents, employees, or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if advised of the possibility) arising in any way from the information contained in this web site. None of these entities shall be liable for any damages or losses that may be caused to any equipment and other software due to any viruses, defects or malfunctions in connection with access or use of this web site.”

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Email

Messages that you send to us by Email may not be secure. We recommend that you do not send any confidential information to us by Email. If you choose to send any confidential information to us by Email, you accept the risk that this information may be intercepted by a third party.

These terms and conditions may be modified at any time by revising this page without notice to you.

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Privacy Policy

This privacy statement describes how “nonpublic personal information”, which includes customer and financial information, may be collected and shared, as well as the steps we take to protect this information from unauthorized access.

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This policy applies both to current and former customers, and is designed to comply with the privacy provisions in Title V of the Gramm-Leach-Bliley Act, as well as applicable federal privacy regulations.

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We take great care to safeguard your customer information and to ensure its accuracy.

We limit employee access to nonpublic personal information to those who need to know this information in order to serve customer relationships. Employees are educated about the importance of privacy in accordance with our Standards of Conduct Policy.

We maintain physical, electronic and procedural safeguards that comply with all applicable regulatory standards to guard your nonpublic personal information.

We strive to maintain complete, current and accurate information about you and your accounts. If you request a correction to our records, we will respond in a timely manner.

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We collect customer information so we are able to offer you products and enhance the service we provide to you.

We collect and maintain nonpublic personal information in order to:

Service your accounts and process your requests efficiently and accurately.

Identify you and protect your accounts from unauthorized access or identity theft.

Inform you of financial services and choices that can meet your needs now and in the future.

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This information may be collected from a variety of sources, including:

Information we receive from you on applications or other loan or account forms, such as your name, address, and financial information

Information we receive from outside companies, such as a credit reporting agency or real estate appraiser.

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We may share information with nonaffiliated third parties who are acting on our behalf.

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We may disclose all the information we collect, as described above. Information is shared with nonaffiliated third parties only when those parties are acting on our behalf, or as required or permitted by law.

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Online Privacy Policy

This section explains our policy and practices regarding any personal information you supply to us when you visit this site. It is our goal to protect your information on the Internet in the same way we protect your information in other ways we interact with you.

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Browsing the Web Site

When using our site, you can obtain information, access online products and services, apply online for products, use planning tools and calculators, communicate with us or link to other Web sites with which we do business.

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You remain anonymous while using our Web site unless you submit your personal information. You provide this information by submitting an online inquiry, opening an account with us using an online account application or registering online for one of our services.

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Linking to Other Sites

Our policy does not govern Web sites of other parties to which we may provide links. If you choose to link to Web sites not controlled by us, we recommend that you review the privacy and security policies of these companies.

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Cookies

We will occasionally use a ‘cookie’. A cookie is a small file that a Web site stores on your computer.

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We use cookies for a number of administrative purposes; for example, to gather data about the usage of our Web site, to store your preferences for certain kinds of information, or to store a password so that you do not have to input it every time you visit our site.

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A cookie itself does not contain personally identifiable information about you. It simply allows the Web server to recognize you during your next visit to our site. Cookies are commonly used on Web sites and do not harm your computer. A cookie set by one Web site cannot be read by another Web site. You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser.

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Web Site Usage Data

We may track certain non-personally identifiable information about the use of our Web site, such as the source address of a page request, your IP address or domain name, the date and time of the page request, and other parameters in the URL. We use this data to better understand use of our Web site and user preferences. This information is stored in log files and is used for aggregated and statistical reporting. This information is not linked to personally identifiable information gathered elsewhere on the site.

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Planning Tools and Calculators

We provide a number of tools, planners and other interactive calculators to help you manage your financial life. The information you provide when using these tools is used only to complete these calculations. We do not collect this information nor link it to any personally identifiable information.

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Online Forms and Applications

If you submit an application or form online, or request an online transaction, we may keep the information you send in an electronic database. We use security measures to protect against the loss, misuse, and the alteration of data used in our systems.

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Email

Unless explicitly stated, email is not secure. We recommend that you do not send any confidential information through email. If you send email to us, we may retain the contents of your email message, your email address, and our response.

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Children’s Information

We do not knowingly collect or solicit information from children under 13 without parental consent.